MBNA is now VIL/EXPERTO CREDITE LTD started15/04/1999 Barclaycard is nowMKDP LLP - started21/07/2001 The two HSBC accounts are now both SIGMA RED both started26/02/1996 Virgin media was my old phone and internet started08/05/2008 The mortage is still with their solicitors and that started 21/02/2006 Yes i still have all of the files and statements.

That I don't know, the companies have changed that many times and the interest and charges stopped 2 years ago on all. I will tackle the Mortgage when I have a reasonable sum.

Yeah I have an experian account so I can see exactly what's going on. I've also moved away again to another area... Original Creditors: MBNA, £13250 - sold on twice, latest DCA offered a £50 p/m payment plan HSBC credit card, £3900 - sold on three times HSBC overdraft, £3920 - sold on 3 times BARCLAYCARD. £5050 - sold on 4 times, latest DCA going round in circles! VIRGIN MEDIA, £169 - no contact FUTURE MORTGAGES: £51100 - no contact I don't remember having PPI on any of them. All of these date back to July 2009

Hi All, I lost my business and job in 2009 and at that time had to stop all payments on credit. As a result I now have several debts amounting to 77k. Most of this is the shortfall on my mortgage which arose in 2009, even though I had an agreed buyer at the time to eliminate any shortfall, and has been frozen at 51k. The others are all credit cards and 1 bank overdraft. All of these debts have been sold on more than once to different debt collection agencies, and as my house was repossessed and I moved out of the area, I wasn't detected. After taking a small payday loan (which was payed back on time), some of the DCAs have sent letters to my dad's with the usual threats, all of which I have ignored. Some of them have offered reductions, and others, payment offers. My intention is to lay low and save up enough money to settle these outright (discounted of course). I don't want to become bankrupt or face the 5 years locked into an IVA. Any advice?